1. Standard variable rate
2. Basic variable rate
3. Fixed rate
4. Split loans
5. Non conforming loans
6. Credit impaired loans
7. Equity loans
8. Lines of credit
9. All in one loans
10. Professional packages
11. 100% Offset loans
12. Seniors loans
13. Low doc loans
14. No doc loans

Standard Variable Rate loans typically offer you maximum flexibility and great features, including the option to fix or split your loan, the ability to make additional repayments and the option to redraw these funds for any purpose when you need to.

Basic Variable Rate loans offer a lower interest rate, but fewer features. However, you usually have the option to pay for additional flexibility and features when you need them.

Fixed Rate loans protect you against interest rate changes for an agreed time, so you have peace of mind knowing your repayments won't increase.

Combination or Split Rate loans combine the flexibility of a variable rate and the certainty of a fixed rate, so you benefit when rates drop, and are protected when they increase.

All-In-One Loans feature an everyday transaction account linked to your home loan. By keeping all your money in your loan account, and only redrawing your living expenses as you need to, you can reduce the amount you owe. This, in turn, reduces the amount of interest you have to repay, making your money work harder for you.

100% offset loans are a home loan with a savings account that offsets the interest charged on your home loan. For example if your loan is for $100,000 and you have $20,000 in your offset account then in effect you will only be charged interest on $80,000 for your home loan. This helps you reduce the term of your loan faster and can save you thousands of dollars off your repayments.

Professional packages usually include a home loan, 100% offset account, approved credit card & discounted insurance products.

We work for you to correctly plan the finance for your future investment properties taking into account the loan to value ratio and debt servicing ratio's and maximum tax deductions to increase your net worth as quickly and safely as possible.

If you fail to plan then you will find that you may have borrowed from the wrong lenders from the start which will hinder your ability to buy further properties and decrease your wealth making opportunities. Not only may you end up with further unnecessary costs, but the need to restructure your loans may be a very costly exercise.

So when it comes to buying investment properties, the cheapest interest rate may not necessarily be the best loan for you, although we will endeavor to get you the best rates for your situation. Only by planning your portfolio properly will you be able to maximise your profits.

No/Low Deposit Home Loans
It may be possible to buy a home or investment property with a very small deposit or even no money down. We have specially skilled finance brokers that will work with you to find the right solution. From 95% home loans to equity and guarantor loans where there is no savings required.

We can assist you with guarantor home loans where a family member or friend could assist you to borrow the entire purchase price plus other costs and even consolidate some other debts. The guarantor would not even have to make any repayments unless you need them to help. This could also save you thousands in lenders mortgage insurance fees.

Borrow more than 107%

Guarantor loans are effectively giving you the ability to borrow more than 107% of the purchase price. You don't even need to be full time employed and you may even have minor credit impairment issues.

You could use your guarantor’s property & income on your loan application to help you buy the house you desire. The guarantor assists by using the equity they have in a property they own combined with the property you are buying to bring the over all loan to value ratio below 80%. This also means you will not need to pay for expensive mortgage insurance.

You could be saving over $7,000 in upfront lenders mortgage insurance on a $300,000 loan.  After the value of your property goes up and your loan to value ratio goes down, the guarantor can be removed from the loan altogether. You remain the owner of the property.

Personal Loans

You can borrow money for any purpose including holidays, vehicles, furnishings & also to help with buying a home.

The typical applicant / reasons are:

1. Need extra funds to help purchase a house.
2. Small loans for businesses.
3. Debt consolidation.
4. Buying a vehicle.
5. Day to day expenses.
6. Furniture and appliances.
7. Financially affected from a divorce.
8. Need money quickly.
9. Home renovations.
10. Holidays

Save on Lenders Mortgage Insurance

Many people simply don’t have enough for the furnishings in their homes, once stamp duty, legal, moving and other associated costs are factored in.

Alternatively, if a home mortgage is slightly over 80% of the purchase price and you need a few thousand to avoid lenders mortgage insurance, simply call us for the difference to save your money.

Vehicle Loans

We have a huge range of motor vehicle loans to suit nearly every occasion.

We can pre approve your finance right now! This means that when you go shopping for your next vehicle, you will already be pre approved and you should be able to negotiate a great discount of the purchase price, potentially saving you hundreds or even thousands of $$$.

Cash Flow Funding

Do you run your own business or company? Have you got money coming in soon from sales or work performed, but you need cash flow now?

If we could show you how to maintain a healthy cash flow by using your money now that is coming to you later, would you be interested? If the answer is YES…then read on.

There is a way for you to take firm control over your cash flow position legally and legitimately. Cash flow funding is a highly flexible and increasingly popular way to control the amount of money you have available to pay various business expenses.

All too often, companies experience significant cash-flow shortages as they grow. It's like, we have some good news and we have some bad news. While your sales are increasing, your costs are generally climbing right along with them.

Although your outstanding commissions may have increased significantly, it is not yet money in the bank. As a general rule, you have to wait 6 weeks or more before you get paid. Meanwhile you have wages, BAS, pay roll tax, superannuation contributions and bills to pay. The list goes on.

Get Paid On Your Invoices

By using cash flow funding, we can show you how you can be paid now. And while there is a fee involved, it really is no greater than say offering a client a small discount for paying the commission upon unconditional exchange.

Besides, now that you have the cash, you can use it to invest in generating more sales. Cash flow funding is not a loan. There is no debt repayment, no compromise to your balance sheet, no long-term agreements or delays associated with other methods of raising capital.

Cash flow funding allows you to use your own hard earned assets to create cash for the growth needs of your company today. Over 4000 Australian and New Zealand businesses cash flow funded over 20 billion dollars last year.

Seniors Loans /Reverse Mortgages

Seniors Loans are a lifetime mortgage, available to residential property owners over 55. It allows them to release funds using the equity in their home or investment properties without the need to make any repayments as long as they are still living in their own home.

The Benefits. The Borrower can use the lump sum proceeds of a Seniors Loan for whatever worthwhile purpose they choose including accommodation bonds, home renovations, new car, gifting, debt consolidation and holidays.

Unlike a traditional mortgage, the Borrower does not need to have a regular income to apply. No repayments are required until the loan is discharged in full; interest and fees are ‘capitalised’ to the opening loan balance for the life of the loan.

Borrowers can remain in their home for as long as they choose; full repayment is only due when the principal place of residence has been permanently vacated by all Borrowers.

Guaranteed Inheritance & Retain Full Ownership

The Borrowers retain full ownership of the Security Property until it is sold.

‘No Negative Equity Guarantee’ – the Borrowers will never owe more than the value of the Security Property.

They cannot be asked to sell the Security Property at any time, even if the loan balance exceeds the value of the Security Property, provided that the general Terms and Conditions have been met.

Borrowers can elect to guarantee a portion of the Security Property’s value to be available to them when the house is sold, through the ‘Protected Equity Option'.

This could be used, for example, to ensure an inheritance is available or to provide for medical expenses later in life.

Credit Impaired Loans

Have you been knocked back by the banks because of past credit problems, not enough savings or your employment history is not suitable?

We have many lenders specialising in delivering loans to credit impaired applicants.

Non Conforming Loans have been designed especially to help borrowers who do not meet 'standard' lending criteria, including those who have an impaired credit history, are unable to provide the required documentation in support of their loan application

Hire Purchase & Leasing

Leasing or hire purchase offers the following products and/or facilities for you:

• Finance Lease.
• Novated Lease Agreements.
• Commercial Hire Purchase
• Chattel Mortgage.
• Credit Limits.
• Master Equipment Finance Agreements (used mostly for limit type facilities).

Business Purposes
• Motor Cars including Panel Vans & Utes.
• Commercial Vehicles - Trucks & Buses.
• Manufacturing Equipment.
• Materials Handling Equipment Forklifts etc.
• Medical & Dental Equipment.
• Office Equipment and Computers.
• General Business Equipment.

Commercial Hire Purchase
CHP is our most commonly used equipment financing product. A CHP allows the borrower the flexibility to utilise equity or a cash deposit to reduce the amount financed, unlike a finance lease where equity is not permitted. There is also flexibility when setting the balloon value, i.e. the final instalment. A client may choose to fully amortise the amount financed or for cash flow purposes set a balloon value hence reducing the rentals.

Business
We will look at applications for any income producing plant and equipment that a business may utilise.

Popular Option Claim back the GST

As a result, since the introduction of GST, the popularity of Chattel Mortgages has grown. Given that the assets ownership lies with the client, the client has the right to claim the GST which is included in the invoice amount of the asset. 

Chattel Mortgage
A Chattel Mortgage is a loan with the financier taking a charge over the goods which is registered with ASIC and\or the Land Title Office under a Bill of Sale. In legal terms the title to the goods is in the name of the customer but they offer the goods as security to the financier who registers a charge over that asset.

Novated Lease
A Novated Lease is and arrangement entered into by three parties- the Employer, Employee and Leasing Financer This enables the employee to lease a car of their choice within a negotiated salary packaging arrangement.

Balloon- CHP/Chattel Mortgage
Due to the flexibility of the CHP and Chattel mortgage products an introducer can choose a balloon figure to suit there client’s needs.

Lifestyle Protection for your future

Money makes the world go round. It also keeps our own individual lives moving. Each and every day we pay for things that help us achieve our goals, build our dreams and live the life we love. Your ability to earn an income makes all this possible. Your ability to earn an income is your most valuable asset.

It makes sense to protect it.
We’re committed to making your dreams come true by helping you make the right decisions and be in the best financial position possible. Once you’re in this position, we’re also committed to helping you stay there.

We can help protect your ability to earn an income with a Protection Plan and give you a sense of security about your financial future and your plans for further success. 

The Plan

• Life and disability cover from Australia’s leading and most trusted insurers.
• You choose the level and type of cover to suit your specific needs and circumstances.

Having disability cover means you can continue to earn an income if you are unable to work due to injury or illness if something unexpected happens.

Having life cover will provide your family with a lump sum payment if you unfortunately lose your life.

Do you have enough protection?

Protection through superannuation

The average life cover in a superannuation fund is only $70,000. This is not enough to cover the average new mortgage in Australia, which is close to $250,000.

Protection through worker’s compensation

Worker’s compensation only protects you if you are injured at work. If you are injured outside the workplace, you will not be covered.

Existing life protection

While 14% of Australian households with dependent children have enough life insurance to maintain the level of household income for 6 or more years, it’s estimated that Australian households with dependent children are underinsured by $1,370 billion.

Protection for your Home

Protection for your home building protection covers you if your home becomes uninhabitable due to an insured event; rental costs can be taken care of for up to twelve months.

Protection for your contents
Home contents protection covers new for old replacement, regardless of age, and various levels of cover for other relevant items.

Protection for Landlords?

Landlords protection covers both the investment property and the revenue it generates. It covers up to 15 weeks on rent and up to 6 weeks rental default if a tenant departs without notice. It will also protect you against malicious damage, legal expenses and your legal liability as the owner of the insured investment property.